Tax harvesting
Show every client the tax they can save.
Upload a client's holdings and this year's P&L. Spire works out the capital-gains tax booked so far and the trades that bring it down, before the financial year ends.
Real Spire screens with sample data
Tax now vs. after harvesting
Gains and losses already booked this year, the tax on them, and what it drops to with the suggested trades.
Sell, then buy back next day
Each trade says what to sell and the date to buy the same quantity back, so the client's portfolio stays as it was.
Charges counted
Brokerage, STT, exchange charges and GST are estimated for every trade, so the plan shows the benefit after costs.
The ₹1.25 lakh exemption and carry-forward
How much of the long-term exemption is used, what's left, and which losses to carry forward to later years.
Shares and mutual funds
Works from the holdings and P&L files you already download, for direct equity and mutual funds, member by member across a family.
Saved on the client's record
Save the plan your RM agreed with the client and open it again at the next review. Spire suggests; your team decides.
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